42 Laurel LnBrownsboroAL35741
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder42 Laurel Ln, Brownsboro, AL, 35741 in Brownsboro earns a respectable 7.67% gross yield at $360,000, but after the $1,619/mo mortgage the net cash flow is $2/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.42) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $99,461 over five years, making equity the dominant return driver. Total projected return: $136,995.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $2 | $800 |
City averages based on Brownsboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,302 |
| Total Monthly Debt Service | $2,157 |
| DSCR Ratio | 1.07x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Home Type Unknown
Built in 2010
N/A lot
$N/A/sqft
$267 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35741, Brownsboro, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,957 (100%) |
| Owner Occupied HU | 1,476 (75.4%) |
| Renter Occupied HU | 389 (19.9%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $396,084 |
| Average Home Value | $466,258 |
Housing Distribution
Address Breakdown
Residential
1,746
Single Family
1,374
Multi-Family
372
Businesses
116
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Home Type Unknown
Built in 2010
N/A lot
$N/A/sqft
$267 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35741, Brownsboro, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,957 (100%) |
| Owner Occupied HU | 1,476 (75.4%) |
| Renter Occupied HU | 389 (19.9%) |
| Vacant Housing Units | 92 ( 4.7%) |
| Median Home Value | $396,084 |
| Average Home Value | $466,258 |
Housing Distribution
Address Breakdown
Residential
1,746
Single Family
1,374
Multi-Family
372
Businesses
116
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A